I have been a subscriber to myFICO for several years. My husband has also joined. we monitor and 'babysit' our scores watching for errors and problems on a regular babsis.
We recently applied for a loan. Based on the info in myFICO it should have gon through. But when the bank ran our credit, what they recieved was very different, and I do not understand.
I understand that credit scores fluxuate though out the day, but the bank recieved a score for me that was 20 points higher. and a score for my husband that was 50 points lower. This just seems too much to be 'normal fluxuation'. Further myFICO reports a collections (a reporting error that we are trying to dispute) on my husbands report, and the bank has it listed twice.
My intent on purchasing myFICO is so that I was aware of what is going on in my report... but why aer the reports so different? FYI the report I pulled from myFICO (and paid extra for it) was only two days beforethe bank pulled the score.
Starting Score: 683